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To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.

InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.

Wow, an honest insurance company - don't hear about that too often. I called to ask what would happen if our cruise ended up being a "cruise to nowhere" after the 2017 hurricanes. It was then that I learned our policy had an itinerary change benefit. I was advised to file the claim upon returning as they needed proof that we actually took the cruise.

In the middle of filling out the paperwork, I called Nationwide with a question and learned that my benefit was actually double what I thought! Wow. Claim documentation requirements were straightforward, no "gotchas". Claim paid in about 2 weeks. Would absolutely recommend this company again.

We were unable to go on the trip b/c the owner of the place we were staying (Airbnb) said the electricity and water were still not quite 100% (we were supposed to have gone to Puerto Rico).
The agent I spoke with told me the owner would have to state that the Airbnb was “uninhabitable” for us to start a claim. Well, I was not going to ask her to lie - her apartment is not “uninhabitable” by definition - but not having the comfort of knowing for certain that we would have power and water 100% of the time coupled with knowing that a lot of areas in PR are still not really for tourists — we decided it would be best not to go at this time.
The insurance wasn’t going to cover it. We ended up losing $200 to one Airbnb (we had 2 units to cover the whole time span), $400 to the airline and the $158 for the insurance.

We are sorry to hear that you were unable to take your trip. The Nationwide Essential policy has a strict set of covered reason that the insurance company would cover in the event of a cancellation or interruption of your trip. They state:

"(e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable."

This terminology is the standard amongst most of our policies and the only way to cover a situation where your accommodations are in fact habitable would be with a Cancel For Any Reason benefit, which was not included on your plan.

Here are the requirements for this benefit, if you feel like this is something you would like to include on your next policy. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Please feel free to contact us if you have any further questions or concerns. Our licensed representatives are available 7 days a week and can be reached at 1-800-487-4722.

BUYER BEWARE!!
We have been purchasing trip insurance through InsureMyTrip and Nationwide for years. On Dec. 16, our flight was canceled meaning we could not reach our cruise destination of San Juan and had to meet the cruise a day later in St. Kitts. I felt sure our trip interruption portion of our policy would cover the cost of missing one day of a very expensive holiday cruise. Wow, was I wrong. When I called Nationwide, I was told unless the airport is completely shut down, the cancellation of a flight is not covered. I was told there was no need to file a claim as no payment would be made. I called InsureMyTrip to speak with someone about this. I was told, "Sorry you're not happy. Have a great day."
Never Ever Again!!!
Read every word of the fine print.

Thank you for your feedback on the policy. We are sorry to hear that your flight was cancelled and that your vacation was negatively impacted.

The Nationwide Essential plan is a "named peril" policy which means that the peril (covered reason) must be specifically listed in the plan or there is no coverage. This particular plan includes the following coverage for Trip Interruption:
"Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours and prevents You from reaching Your destination."

We do have other policies available on our site that have specific cruise benefits, such as Missed Connection. In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.

Thank you for the kind review! We are delighted to know you’re happy with your purchase and had a trouble-free trip but were covered in the event the unexpected occurred. AXA Assistance USA looks forward to providing travel protection for all of your future endeavors!

I bought what I thought was a fair coverage for what I needed. Calling the customer care number was easy and the rep asked a few questions to make sure I had enough coverage for me. Didn't feel she was trying to push me to buy something more expensive. Just what I needed.

We have only purchased travel insurance one other time in our traveling history and we travel many times a year. But I was thankful we did this time because of the hurricane season. And of course, a hurricane disrupted our travel. Very glad for the website that helped me find this company/policy.

What a rip-off. Hurricane Maria hit Puerto Rico a week before our scheduled trip. The island was and still is without power. Any logical person knows that the hotels are not going to be functioning and the island isn't in shape to host tourists on honeymoons. While we had a cancel for any reason clause, it makes no logical sense that we were not allowed to recoup our costs without an official letter or email from the hotel or an all out notice of cancellation of our flight from the airline. And these have to come 48 hours prior or we risk not being able to cancel for any reason. What's up with that terrible clause!?! This was already enough to show me that they make it hard as possible to get your money back, but I haven't even touched on the worst part of this. I paid for my flights with CREDIT CARD points through chase online travel portal. However, these aren't airline miles. They have cash value and I had an invoice directly from jet blue showing I paid $x amount of money. Yet, I was told that because it's not on my credit card statement as a cash purchase I only get $250 back. How does that make sense!?! Thieves. That's the only word I have for this and I will never ever recommend this to anyone. Better to save $250 and work directly with the hotels and airlines to get money back. I actually ended up talking to the airline and hotel directly and they were understanding of said situation and gave full refunds. But I shouldn't have had to go through that hassle.

Thank you for your feedback on the policy. We are sorry to learn that you were unable to travel and are dissatisfied with this policy. We are pleased that you ultimately received reimbursement from your travel suppliers.

Hurricane Maria was indeed a very destructive and devastating storm. Since the claims administrator is required to adjudicate claims based on the terms and conditions of the policy, you will need supporting documentation to demonstrate your proof of loss. This would be required for a claim with any travel insurance policy.

On this plan, to use Cancel for Any Reason, you must cancel your trip 48 hours or more before your Scheduled Departure Date. This is industry standard to require cancellation to occur 2-3 days prior to your Scheduled Departure Date depending on the plan you choose for the CFAR option.

The trip costs that are insurable on a comprehensive plan are the pre-paid, non-refundable trip costs. The face value of rewards bookings are not insurable, but this policy does cover up to 250USD as shown in the Confirmation of Benefits for any penalty cost of putting the miles or reward points back in the account they were removed from.

If you have any questions or concerns, please call us at 800-487-4722.